2020-2021 Law and Ethics Update: Health (240)


This course provides a comprehensive look at the duties of licensed health insurance agents in Florida. It examines how the insurance industry is regulated in the state and explains the many new rules and regulations that insurance agents must comply with when transacting insurance, including ethical responsibilities. Recent changes to state and federal laws that affect the insurance industry are also discussed, as are disciplinary trends and enforcement actions.

Learning Objectives

Upon completion of this course, students will be able to :

  • understand the roles the Insurance Regulation, and the Office of Financial Regulation play in regulating the state insurance industry
  • describe the licensing requirements for agents, including appointment with insurers, grounds for suspension or revocation of an adjuster's license or appointment, and the duties of licensed versus unlicensed personnel
  • understand the requirements for advertising and record-keeping
  • understand the methods the Department of Financial Services uses to communicate with agents
  • discuss recent developments at the state and federal government level that affect the insurance industry
  • understand the broad ethical duties an agent owes to insureds and insurers and the types of behavior prohibited by the Code of Ethics
  • describe unfair methods of competition and unfair or deceptive acts as they pertain to health insurance
  • list examples of recent violations and enforcement actions involving licensed Florida insurance adjusters

Designed For

This course is approved for the 5-hour law and ethics update requirement, for licensed health insurance agents (5-240).

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